System and method for cardless cash access

ABSTRACT

Aspects of the present disclosure involve systems, methods, devices, and the like for processing a cardless cash transaction. In one embodiment, a system is introduced that enables a communication between a user device and an automated teller machine. The communication disclosure presents a system and method that enables the communication between a user device and an automated teller machine for the withdrawal of a cash amount using a cardless cash option. The withdrawal occurs through the use of a white label platform which pairs the automated teller machine and user device without the use of a card.

TECHNICAL FIELD

The present disclosure generally relates to automated cash dispensingsystems, and more specifically, to cardless cash dispensing systems.

BACKGROUND

Rapid advancements in technology and communications have led to theubiquitous use of wireless electronics. As such, today's society hasgrown to become heavily device reliant. This reliance has led to the useof electronics to make monetary transactions for goods and services. Forexample, a smartphone may now be used to complete a purchase transactionat a merchant location. Unfortunately, the use of electronic devices maybe restricted by vendor, location, event, or service. As such, cash maybe needed and accessible with the use of a bank card for cashwithdrawal. However, the use of a physical card may be cumbersome tocarry, susceptible to theft, and costly based on the automated tellermachine used. This susceptibility may lead to a loss of time and moneyand may be frustrating to a user. Therefore, it would be beneficial if asystem were created that provides a user with the ability to withdrawalcash without the need for a bank card.

BRIEF DESCRIPTION OF THE FIGURES

FIGS. 1A-1C illustrates block diagrams of a first user interaction withone or more devices for performing a transaction.

FIGS. 2A-2B illustrates a communication with a user device for cardlesscash access.

FIG. 3 illustrates another communication with a user device for cardlesscash access.

FIG. 4 illustrates yet another communication with a user device forcardless cash access.

FIG. 5 illustrates a timing diagram of communication between a userdevice and an automated teller machine (ATM) for cardless cash access.

FIG. 6 illustrates a flow diagram of a method for withdrawing cash usingcardless cash access.

FIG. 7 illustrates a block diagram of a system for enabling cardlesscash access.

FIG. 8 illustrates an example block diagram of a computer systemsuitable for implementing one or more devices of the communicationsystems of FIGS. 1-7.

Embodiments of the present disclosure and their advantages are bestunderstood by referring to the detailed description that follows. Itshould be appreciated that like reference numerals are used to identifylike elements illustrated in one or more of the figures, whereasshowings therein are for purposes of illustrating embodiments of thepresent disclosure and not for purposes of limiting the same.

DETAILED DESCRIPTION

In the following description, specific details are set forth describingsome embodiments consistent with the present disclosure. It will beapparent, however, to one skilled in the art that some embodiments maybe practiced without some or all of these specific details. The specificembodiments disclosed herein are meant to be illustrative but notlimiting. One skilled in the art may realize other elements that,although not specifically described here, are within the scope and thespirit of this disclosure. In addition, to avoid unnecessary repetition,one or more features shown and described in association with oneembodiment may be incorporated into other embodiments unlessspecifically described otherwise or if the one or more features wouldmake an embodiment non-functional.

Aspects of the present disclosure involve systems, methods, devices, andthe like for processing a cardless cash transaction. In one embodiment,a system is introduced that enables a communication between a userdevice and an automated teller machine. The communication occurs throughthe use of a white label platform which enables the request and transferof authorization, unique codes, and customer information. The use of awhite label platform enables tracking the state of withdrawal of cashacross multiple steps of communication. In another embodiment, a systemis introduced that enables the communication between a user device andan automated teller machine for the withdrawal of a cash amount using acardless cash option. The withdrawal occurs through the use of a whitelabel platform which pairs the automated teller machine and user devicewithout the use of a card. The withdrawal is initiated at the userdevice where an amount for withdrawal is indicated and requested. Theamount for withdrawal is then dispersed in response to a unique codethat is exchanged between the automated teller machine and the userdevice with the aid of the white label platform.

Rapid advances in communications have made portable electronic devices,such as smartphones and tablets, part of everyday life. Among otherthings, these electronic devices can be used to browse the web andstream video, and purchase goods and services. In some instances, one ormore electronic devices can be used to make the purchase. However, insome instances the establishment, event, service, or the like may havecash only restrictions, making the use of the electronic device useless.

Conventionally, the withdrawal of cash has occurred at an automatedteller machine (ATM) using a physical bank card. The user inputs thebank card into the ATM, enters some authentication and transactionalinformation, and the cash is dispensed. Dispensing of cash in suchmanner, however, may be cumbersome, costly, and inconvenient for users.For example, a user who is a customer to a specific bank, may need tosearch for an ATM machine associated with that bank in order to avoidfees. As another example, the bank card needs to be carried by the userfor completing the cash transaction. Carrying the bank card can lead toa card that is lost or stolen. In addition, the lost/stolen card maycause the user to be subject to loss of money (due to an authorizedtransaction), identity theft, stress, and frustration.

To illustrate this, FIGS. 1A-1C, include block diagrams of a userinteraction with one or more devices for performing a transaction. InFIG. 1A, a user 108 is interacting with a personal device 102 forperforming one or more transactions. The personal device 102 may be atablet, laptop, pc, or the like. For exemplary purposes, personal device102 can be a laptop. As illustrated in FIG. 1, user 108 is communicatingwith personal device 102. Generally, personal device 102 can be used fornumerous tasks including but not limited to web browsing, videostreaming, bill pay, and purchase of goods and services. However, apersonal device 102 such as a laptop may be too large, inconvenient, andnot very portable for use in everyday purchases. In addition, a personaldevice would not be useful in instances where cash is used and needed tobe withdrawn.

FIG. 1B illustrates user 108 interacting with a user device 104 forperforming one or more transactions. The user device 104 may be atablet, iPad, cell phone or the like. For exemplary purposes, userdevice 104 can be a smart phone. The smart phone may be equipped withvarious applications for performing similar tasks as indicated withpersonal device 102. For example, the user device 104 may be used forweb browsing, video streaming, bill payments, and online purchases.Additionally, the user device 104 be equipped with applications thatenable the user to make purchases using a payment provider applicationand/or a digital wallet. Further, the user device 104 is capable ofmaking phone calls and communicating with one or more othercommunications devices using a cellular network, Wi-Fi, Bluetooth, BLE,NFC, WLAN, etc. The communication can enable the transmission ofinformation from a user account to a secondary source. For example, theuser device 104 can be used to make a purchase for a good or serviceusing an application or digital wallet. Here, although the user device102 is portable and accessible for purchases, the conventional smartphone is limited by the ability to withdraw, deposit, and/or handlecash. Instead, a bank card is needed for the withdrawal and used for thedispensing of cash by an automated teller machine, merchantpoint-of-sale (POS) device or other similar device. Further, the bankcard is largely limited in its use to ATM machines affiliated with thebank. Therefore, in order to mitigate the costs associated with usingout of network banks, frustration caused by lost/stolen cards, andpossibility theft, a method and system is introduced that alleviatessuch disadvantages.

FIG. 1C illustrates a user 108 interacting with one or more devices 104,106 for performing a transaction. As an example, user 108 issimultaneously interacting with an ATM 106 and user device 104. Asindicated, although many tasks may be performed using a user device 104,the ability to withdrawal and/or deposit cash is so limited. In acurrent embodiment, a system and method is introduced that enablescardless cash access without the need for a bank card. In particular, asystem is introduced that enables the communication between the ATM 106and the user device 104 for the deposit and/or withdrawal of cash.

In one embodiment, the withdrawal of cash (and/or deposit) may occurwith the use of an application on the user device 104. For example, theuser device 104 may open an application (e.g., payment providerapplication) that enables the communication with the ATM for cardlesscash access. To communicate, near field communications, cellular,Bluetooth and/or other communication network may be used singly or incombination to enable the request, authorization and dispensing of cash.In one embodiment, the use of a white label platform is introduced whichmay have access to numerous ATM vendors (greater than 100,000) andprovides a means for a customer to use a mobile device (or other userdevice 104) and a QR code mechanism to pair the ATM and the user devicefor the withdrawal of cash. Thus, users are exposed to peer-to-peer(P2P) funds without the use of a card.

Note that in some embodiments, location services may be used fordetection of the user device 104 which would automatically prompt a userif a cash withdrawal and/or deposit is needed when in proximity to anATM 104. In other embodiments, the user may enable the service bymanually opening the application desired.

FIGS. 2-4 provide exemplary embodiments illustrating a communicationover a user device 104 for cardless cash access. Note that FIGS. 2-4 arefor exemplary purposes only and other methods, flows, and userinterfaces may be contemplated. In addition, although the process isillustrated as beginning at the user device 104, the process ofbeginning the transaction may occur at the ATM 106.

FIGS. 2A-2B illustrate the communication 200 over a user device 104 forcardless cash access that begins at a homepage of an application. Forexemplary purposes, a PayPal application will be used for illustratingvarious user interfaces 202 that may appear on a user device 104 as auser 108 is in the process of obtaining cash from another device (e.g.,ATM 106) without the use of a bank card.

In some embodiments, the communication 200 is initiated by a user 108when opening the PayPal application and is presented with the homepageUI 202 a which provides the option to select the cardless cash function.Additionally, the homepage UI 202 a may include other details andfunctions. For example, the homepage UI 202 a may include profileinformation (e.g. name, photo, user name), recent activity (e.g.,purchases and/or deposits), as well as other functions (e.g., option totransfer, deposit, request, withdrawal cash). As another example, thehomepage UI 202 a may include the option to locate nearby locations(e.g., ATMs 106, merchant POS and the like) where cash may be withdrawn.As illustrated in homepage UI 202 a, a cardless cash icon 204 may beselected to initiate the communication.

Note that in some instances, the application may automatically open andpresent the user 108 with the option to withdraw, if and/or when theuser device 104 detects an ATM 106 within proximity. Detection of theATM 106 may be accomplished using GPS, cellular, beacon, or othernetwork system or combination of systems (e.g., using triangulation).

Once the cardless cash icon 204 is selected, the user 108 may be routedto an amount UI 202 b, where the user 108 may select the monetary amountto withdraw. In some instances, user's available balance may be providedas a reference. In addition, the amount for withdrawal may beprepopulated (based on previous transactions) to a specific amount. Insome instances, the system can use machine learning, transactionhistory, predictive analysis or the like, to determine either based onthe merchant, location, balance, or other, the amount to display. Forexample, the system can determine that the user 108 is in proximity toan ATM located outside a hair salon which was previously used. Usinghistorical data, the system can present a $100 amount withdrawal optionsince the user last withdrew this amount on a similar trip.

Alternatively, the amount presented may be blank to enable user input.The amount may be input and/or adjusted using a number pad, slider orother similar mechanism that would enable the user 108 to designate thedesired amount. Upon entering the desired amount, a next option 206 maybe selected. Alternatively, other amounts may be added for withdrawalfrom this account or other account tied to the application. If the nextoption 206 is selected, then a communication between the user device 104and ATM 106 occurs where details regarding the transaction, user, amountand authorization is exchanged. Details regarding this communication isdetailed below and in conjunction with FIG. 5. Also, further to theindication of a monetary amount, the amount UI 202 b can include detailsregarding ATMS in the proximity that may be used for the transaction. Insome instances, in addition to the identification of nearby ATMs, theuser 108 may also be presented with details regarding any fees and/oramenities available at each ATM 106.

Next, in order for the ATM 106 to authenticate the dispensing of funds,a unique authentication mechanism is exchanged between the user device104 and the ATM 106. In some embodiments, the authentication may come inthe form of a QR code 208. The QR code 208 as illustrated in UI 202 cmay be presented on the ATM screen and scanned by a camera (not shown)located in the user device 104. Alternatively, the user device 104 candisplay the QR code 208 to be scanned at ATM 106.

Note that the use of a QR code for authentication is not so limited andother forms of authentication can be exchanged between the devices 104,106. For example, the unique authentication mechanism may come in theform of a PIN, a sequence, a picture, or other similar codes. Inaddition, other information may also be provided in conjunction with thecode. For example, the amount to be withdrawn, location of the ATM, timeof day, merchant location (if using a POS), etc. may be included on theUI 202 c. Further, a combination of codes and/or metrics may be used.For example, a biometric (e.g., fingerprint, eye scan, etc.) inconjunction with the code may be presented.

Once the QR code 208 is received, recognized, and confirmed, transactionprocessing may occur, as illustrated in processing UI 202 d. During theprocessing, external networking interaction may occur with the ATM 106and/or user device 104. Note that this will be described below and inconjunction with FIG. 5.

Upon completion of the processing, the cash may be dispensed at the ATM106. Alternatively, if a fee is associated with the transaction, a feeUI 202 e may prompt the user 108 whether he/she wishes to continue withthe transaction which includes the additional fee. The fee UI 202 e caninclude details on the amount of the fee and total to be withdrawn withthe option to cancel or accept the transaction. If the accept option 210is confirmed, the processing UI 202 f is illustrated indicating that thetransaction with the now added fee is being processed through the creditcard network (or other authorization network). Once the transaction hasbeen approved, the cash is dispensed and may be collected as indicatedby confirmation UI 202 g. If the transaction is completed, the user 108may finalize by selecting the Done option 212.

As indicated, there exists numerous options for accessing cash without acard using an application on the user device 104. Turning to FIG. 3,another communication with a user device 104 for cardless cash access isillustrated. In particular, FIG. 3 illustrates an option where cashlesscard access may be obtained from the homepage UI 202 h by first locatingATM(s) 106 within the vicinity of the user 108 by selecting a Find ATMsoption 210. Selecting the Find ATMs option 210 can provide the user 108with not only a listing UI 202 i of relevant ATMs 106 but also provide amap 302 indicating the currently location of the user 108 and thelocations 306 of the ATMs 106 relative to the user 108. The ATMs 106presented may be stand alone, in, around, and/or affiliated with banks,grocery stores, merchants, convenient stores, etc. The ATMs 106presented can also include POS systems and the like where cash may bedispersed and/or deposited.

If, at listing 202 i, the user 108 is still unsure of the process fordispensing cash using the cardless cash access method, an informationradio button 308 may be selected for obtaining details on the cashlesscard access instructions UI 202 k. The cashless card access instructionscan provide the user with step-by-step instructions on how to obtain thecash. Additionally, the instructions can also include details on how todeposit cash and/or a combination of both depositing an amount to oneaccount and withdrawing from another.

Listing UI 202 i may also include addresses, fees, distance, andadditional bank details associated with each ATM 106. Further, if an ATM106 is selected from the listing, details regarding the particular ATM106 may be presented on a details UI 202 j. The ATM 106 may beassociated with a grocer, merchant, bank or other. In one embodiment,where the ATM 106 selected is associated with a bank (e.g., BMO Harrisbank), details UI 202 j can provide information regarding bank address,phone number, hours of operation, fees, drive-through options, wheelchair accessibility, ratings, reviews, and the option to get directionsto the ATM 106. In some instances, the ATM details and access on UI 202j may be presented via other applications such as via Apple Maps and/orGoogle Maps.

Once at the desired ATM 106, devices 104,106 communicate for withdrawingthe cash. Note that at details UI 202 j, an option (e.g., I'm at theATM) may 310 may appear which can guide the user 108 to a correspondingUI 202 for the withdrawal.

FIG. 4 provides yet another communication between the user device 104and an ATM 106 for cardless cash access. In particular, FIG. 4illustrates an option where cashless card access is initiated from thehomepage UI 202 h by selecting an option to manage the account balance402. This option may be presented to for existing user familiarity andease of use. At the balance UI 202 l, available funds for withdrawal maybe presented as well the option to add 404 or withdrawal funds 406. Ifthe option to withdrawal funds 406 is selected, then the user 108 may berouted to a designation UI 202 n, where the user 108 can designate wherethe funds to be withdrawn should go. Bank option 410 provides a user a lwith the option to withdraw from the available balance and transfer intoa bank account, while ATM option 412 can provide the user 108 withaccess the cash at an ATM 106.

If the user desires to pursue a cardless cash withdrawal, then uponselecting the ATM option 412, the user 108 can be routed to ATMlocations UI 202 o and/or instructions UI 202 p. Cardless cash accessthen continues in one of the previously described methods above and inconjunction with FIGS. 2 and 3.

Note that any application and combination of user interfaces may be usedand presented. Also, the cardless cash withdrawal is not limited to theuse between a smart phone and/or an ATM 106. For example, the userdevice 102 may include a tablet, fitness tracker, VR device, while theother device may include a POS system and other similar systems capableof dispensing and/or withdrawing cash.

Turning to FIG. 5, a timing diagram 500 is presented that illustratesthe communication and processing that may occur during a cardless cashwithdrawal. In some embodiments, to initiate a cashless card access, thetransaction will generally begin with a selection of a cashless cardwithdrawal. Timing diagram 500 of FIG. 5 begins the communication with auser 108 making a selection on the application (e.g., selecting an ATMbutton 512 or cardless cash option 204) to initiate an ATM transaction.The selection initiates the process that then checks if the user 108 hasbeen previously onboarded 514.

In some embodiments, to onboard a user 108, when a consumer first logsinto a payment provider application (e.g., PayPal app), an one-time userauthentication code is generated. This one-time user authentication codeis then used by a digital wallet backend to obtain a non-transactionaltoken that is associated with the user device 104. Thisnon-transactional token is then used for obtaining the user's 108uniform resource identifiers (URI) (e.g., customer UEI, device URI,payment accounts URI, etc.) which will be used by the white labelplatform 506 to pair the request from the user device 104 from thedevice application 502 with the ATM 508. The onboarding can occur priorto a consumer selecting the ATM button 512 or can occur at the time ofthe selection, if upon checking 514 it is determined that the user hasnot been onboarded.

Once onboarded, user information may be retrieve 516 from the user'sdigital wallet 504. The digital wallet 504 then communicates with awhite label platform (WLP) 506 for requesting 518, retrieving 520, andproviding 522 this information to the application 502. User informationmay include any information that may relevant for the transactionincluding but not limited to device identification, token, and magnesID, authentication information and uniform resources identifiers. Oncethe information is received, the user 108 is able to indicate awithdrawal amount and request the withdrawal 524 (e.g., amount UI 202b).

Note that the white label platform 506 is a system that provides theinfrastructure that enables the communication with the ATM networks.This infrastructure includes the ability to maintain state ofcommunication between ATM 508 and application 502. In addition. it is aplatform that may include mobile payments, loyalty, offers, ATM cashaccess and other related commerce services through the use of mobilewallet.

As indicated above and in conjunction with FIGS. 2-4, ATM locations maybe requested and located that are within the vicinity of the user 108.Thus, once at the ATM 108, a user may select the option for cardlessaccess 526. Note that in some instances, the user 108 may already be atan ATM and timing diagram 500 may begin at the ATM 508 where the user108 selects the cardless access 526 and then initiates the communicationon the user device 104 using the ATM button 512 on the application 502.

Upon selecting the cardless access 526 option on the ATM 508, a cashlesscard token is requested from the WLP 506. Recall that the WLP 506 is theplatform that pairs the ATM 508 with the user device 108 for the cashwithdrawal. The WLP 506 provides the token that is received 530 andenables the production of a QR code on the display 532 of the ATM 508and gets scanned 534 by the camera on the user device 104 (e.g., UI 202c). Scanning the QR code 538 by the user device 104 begins acommunication that goes from the application 502 through the ATM 508.During this communication, a cash withdraw ticket is submitted 536, 538at the application 502 to the digital wallet 504 and received at the WLP506. The ticket is then requested at the ATM 508 and a response isgenerated and updated 540 with details regarding a surcharge iscommunicated to the WLP 506. Note that in some instances, the ATMmachine may be fee free and no surcharge may be added.

In the case where a surcharge is added, an updated response with thesurcharge is transmitted 542 from the WLP 506 to the Digital Wallet 542and a notification is transmitted and displayed 546 with the updatedticket including the surcharge at the user device application 502. TheATM user may then agree to the surcharge through a confirmation sent andsubmitted 546 at the application 502. The updated request confirming thetransaction is sent 548 from the digital wallet back to the WLP 506where the WLP bins the communication with the ATM and ATM networks 510.The ATM receives 550 the user confirmation including the updatedtransaction and communicates with the ATM networks for the processing ofthe cash withdrawal.

At the ATM networks 510, the communication includes a request for andresponse with authorization of the cash withdrawal 552. To process therequest, the communication can go through multiple hops includingsending it through an acquiring processor (e.g., Financial InformationSystem (FIS)) to a network (e.g., NYCE Payment networks) which look at aunique number transmitted and route the request to the issuer processor(e.g., First Data Resources (FDR)) where the request is recognized andsends it to the payment provider or issuer (e.g., PayPal).

Next, the authorization response 552 transmitted by the ATM networks 510triggers an updated transmission request (which submits a processedpayments) to the WLP 506 and the dispersing of cash 556 at the ATM 508.The WLP 506 responds to the ATM with an updated transmission response558 including an updated transaction confirmation. Additionally, the WLP506 also transmits 560 the updated response to the digital wallet 504and to the application 502 in the form of a message that the transactionis now complete 562.

FIG. 6 illustrates an example process 600 for completing a cardless cashaccess transaction by a system, as described by the block diagrams ofFIGS. 2-4 and/or timing diagram 500 of FIG. 5. In particular, FIG. 6includes a flow diagram illustrating operations for withdrawing cashusing cardless cash access. According to some embodiments, process 600may include one or more of operations 602-624, which may be implemented,at least in part, in the form of executable code stored on anon-transitory, tangible, machine readable media that, when run on oneor more hardware processors, may cause a system to perform one or moreof the operations 602-624.

Process 600 begins with operation 602, where a cardless cash option isselected on an application of a user device. As indicated above and inconjunction with FIGS. 2-4, the cardless cash option is available fromvarious locations within the application. For example, the cardless cashoption may be initiated when the user is at the homepage of theapplication, after first locating surrounding ATMs and/or afterinquiring about an account balance. To continue with the cardless cashtransaction, upon making this selection, the system will check for useronboarding details. If the user has not been on-boarded, the systemtriggers a just-in-time onboarding communication which will enable thisand other user cardless transactions. The just-in-time onboardingcommunication will occur between the application and a white labelplatform which will include the exchange of information between the twosystems. For example, the communication will include the request andtransmission of user information, authentication codes,non-transactional tokens and URIs. (Not shown in process 600).

Once on-boarded and after the selection of a cardless cash option on theapplication, process 600 will continue to operation 604, where a dollaramount to be withdrawn is input by the user. The monetary amount may beinput via a sliding ruler, a numeric pad, a symbol selection (+ −), orother symbol/image indicating and increase/decrease in dollar amount.Selection of the amount will then trigger a communication at leastbetween the application, wallet and WLP.

At operation 606, the user then has the opportunity to select an optionwhich identifies ATM locations in the vicinity. The ATMs withinproximity can be presented on a map, presented on a list, table, pop-upor the like. In addition, the ATM locations can include detailsregarding the distance, location, affiliations, fees, hours ofoperation, etc. If multiple ATMs exists within the vicinity, the userhas the option of selecting the desired ATM at operation 608. Atoperation 608, directions to the desired ATM may be provided, which maybe presented using Google Maps®, Mapquest®, or other built-in mappingapplication. Alternatively, if only one ATM is present or if the user isalready at the desired ATM, operation 606 continues to operation 610.

At operation 610, the user selects the option to perform a cardless cashtransaction at the ATM. Note that alternatively, the selection of thecardless cash transaction at the ATM may occur at operation 602 prior toor while also initiating the option on the application on the userdevice. At operation 610 initiates the communication between the ATM andthe WLP for a cardless cash token. In response, at operation 612 a QRcode is displayed on the screen of the ATM for scan by the user device.Alternatively, the user device may display the QR code and present it tobe scanned by the ATM.

By scanning the QR code at operation 612, the user device communicateswith the WLP and consequently the ATM with a ticket request for a cashwithdrawal. In some instances, a fee may be charged by the associatedATM. This fee/surcharged is communicated by the ATM through the WLP tothe application. At operation 616, the application may prompt the userwhether he/she would like to continue with the withdrawal and fee. Ifthe user does not wish to pay for the fee, the transaction may becancelled at operation 618. Alternatively, if the user wishes tocontinue the transaction included the fee will be processed at operation620.

At operation 620, if the user submits a confirmation for the surcharge,then the updated confirming request is transmitted to the ATM throughthe WLP. The ATM then communicates with the ATM networks for theauthorization of the cash dispersion. At the ATM Networks, several otherplatforms and networks may communicate with each other in order toprovide the authorization. For example, the communication can go throughmultiple hops including sending the request from the ATM network to anacquiring processor, to a payment network which look at a unique numbertransmitted and route the request to the issuer processor where therequest is recognized and sent it to the issuer. Successfulauthentication will lead to an updated request indicating the processedpayment to the ATM where successful completion of the transactionprocessing will lead to operation 622, where the cash is dispense. Uponcash dispensing, the WLP will also communicate through the digitalwallet and to the application where a notification is transmittedindicating the completion of the transaction and in some instance thereturn to the application home screen at operation 624.

Note that in some instances, the ATM may not have an associatedsurcharge which can lead to a communication with the ATM networks forthe authorization of the cash withdraw. If authenticated, then theprocess may continue to operation 622 where the cash is dispensed asillustrated by the optional dashed line.

FIG. 7 illustrates, in block diagram format, an example embodiment of acomputing environment adapted for implementing a system for queuereduction. As shown, a computing environment 700 may comprise orimplement a plurality of servers and/or software components that operateto perform various methodologies in accordance with the describedembodiments. Severs may include, for example, stand-alone andenterprise-class servers operating a server operating system (OS) suchas a MICROSOFT® OS, a UNIX® OS, a LINUX® OS, or other suitableserver-based OS. It may be appreciated that the servers illustrated inFIG. 4 may be deployed in other ways and that the operations performedand/or the services provided by such servers may be combined,distributed, and/or separated for a given implementation and may beperformed by a greater number or fewer number of servers. One or moreservers may be operated and/or maintained by the same or differententities.

Computing environment 700 may include, among various devices, servers,databases and other elements, one or more clients 702 that may compriseor employ one or more client devices 704, such as a laptop, a mobilecomputing device, a tablet, a PC, a wearable device, and/or any othercomputing device having computing and/or communications capabilities inaccordance with the described embodiments. Client devices 404 mayinclude a cellular telephone, smart phone, electronic wearable device(e.g., smart watch, virtual reality headset), or other similar mobiledevices that a user may carry on or about his or her person and accessreadily.

Client devices 704 generally may provide one or more client programs706, such as system programs and application programs to perform variouscomputing and/or communications operations. Some example system programsmay include, without limitation, an operating system (e.g., MICROSOFT®OS, UNIX® OS, LINUX® OS, Symbian OS™, Embedix OS, Binary Run-timeEnvironment for Wireless (BREW) OS, JavaOS, a Wireless ApplicationProtocol (WAP) OS, and others), device drivers, programming tools,utility programs, software libraries, application programming interfaces(APIs), and so forth. Some example application programs may include,without limitation, a web browser application, messaging applications(e.g., e-mail, IM, SMS, MMS, telephone, voicemail, VoIP, videomessaging, internet relay chat (IRC)), contacts application, calendarapplication, electronic document application, database application,media application (e.g., music, video, television), location-basedservices (LBS) applications (e.g., GPS, mapping, directions, positioningsystems, geolocation, point-of-interest, locator) that may utilizehardware components such as an antenna, and so forth. One or more ofclient programs 706 may display various graphical user interfaces (GUIs)to present information to and/or receive information from one or moreusers of client devices 704. In some embodiments, client programs 706may include one or more applications configured to conduct some or allof the functionalities and/or processes discussed below.

Client device 704 (e.g., device 104) may also include a cardless cashdetermination module 705, that can be used in network-based system 710to determine if a cardless cash withdrawal has been requested, tocommunicate with one or more devices for access and authorization of thewithdrawal and at least for enabling the transaction.

As shown, client devices 704 may be communicatively coupled via one ormore networks 708 to a network-based system 710. Network-based system710 may be structured, arranged, and/or configured to allow client 702to establish one or more communications sessions between network-basedsystem 710 and various computing devices 704 and/or client programs 706.Accordingly, a communications session between client devices 704 andnetwork-based system 710 may involve the unidirectional and/orbidirectional exchange of information and may occur over one or moretypes of networks 708 depending on the mode of communication. While theembodiment of FIG. 7 illustrates a computing environment 700 deployed ina client-server operating relationship, it is to be understood thatother suitable operating environments, relationships, and/orarchitectures may be used in accordance with the described embodiments.

Data communications between client devices 704 and the network-basedsystem 710 may be sent and received over one or more networks 708 suchas the Internet, a WAN, a WWAN, a WLAN, a mobile telephone network, alandline telephone network, personal area network, as well as othersuitable networks. For example, client devices 704 may communicate withnetwork-based system 710 over the Internet or other suitable WAN bysending and or receiving information via interaction with a web site,e-mail, IM session, and/or video messaging session. Any of a widevariety of suitable communication types between client devices 704 andsystem 710 may take place, as will be readily appreciated. Inparticular, wireless communications of any suitable form may take placebetween client device 704 and system 710, such as that which oftenoccurs in the case of mobile phones or other personal and/or mobiledevices.

In various embodiments, computing environment 700 may include, amongother elements, a third party 712 (e.g., ATM, merchant POS systems,etc.), which may comprise or employ third-party devices 714 hostingthird-party applications 716. In various implementations, third-partydevices 714 and/or third-party applications 716 may host applicationsassociated with or employed by a third party 712. For example,third-party devices 714 and/or third-party applications 716 may enablenetwork-based system 710 to provide client 702 and/or system 710 withadditional services and/or information, such as merchant information,data communications, payment services, security functions, customersupport, and/or other services, some of which will be discussed ingreater detail below. Third-party devices 714 and/or third-partyapplications 716 may also provide system 710 and/or client 702 withother information and/or services, such as email services and/orinformation, property transfer and/or handling, purchase services and/orinformation, and/or other online services and/or information.

In one embodiment, third-party devices 714 may include one or moreservers, such as a transaction server that manages and archivestransactions. In some embodiments, the third-party devices may include apurchase database that can provide information regarding purchases ofdifferent items and/or products. In yet another embodiment, third-partysevers 514 may include one or more servers for aggregating consumerdata, tokens, authentication information, user profiles, and the like.

Network-based system 710 may comprise one or more communications servers720 to provide suitable interfaces that enable communication usingvarious modes of communication and/or via one or more networks 708.Communications servers 720 may include a web server 722, an API server724, and/or a messaging server 726 to provide interfaces to one or moreapplication servers 730. Application servers 730 of network-based system710 may be structured, arranged, and/or configured to provide variousonline services, merchant identification services, merchant informationservices, purchasing services, monetary transfers, money withdrawals,money deposits, checkout processing, data gathering, data analysis, andother services to users that access network-based system 710. In variousembodiments, client devices 704 and/or third-party devices 714 maycommunicate with application servers 730 of network-based system 710 viaone or more of a web interface provided by web server 722, aprogrammatic interface provided by API server 724, and/or a messaginginterface provided by messaging server 726. It may be appreciated thatweb server 722, API server 724, and messaging server 726 may bestructured, arranged, and/or configured to communicate with varioustypes of client devices 704, third-party devices 714, third-partyapplications 716, and/or client programs 706 and may interoperate witheach other in some implementations.

Web server 722 may be arranged to communicate with web clients and/orapplications such as a web browser, web browser toolbar, desktop widget,mobile widget, web-based application, web-based interpreter, virtualmachine, mobile applications, and so forth. API server 724 may bearranged to communicate with various client programs 706 and/or athird-party application 716 comprising an implementation of API fornetwork-based system 710. Messaging server 726 may be arranged tocommunicate with various messaging clients and/or applications such ase-mail, IM, SMS, MMS, telephone, VoIP, video messaging, IRC, and soforth, and messaging server 726 may provide a messaging interface toenable access by client 702 and/or third party 712 to the variousservices and functions provided by application servers 730.

Application servers 730 of network-based system 710 may be a server thatprovides various services to clients including, but not limited to, dataanalysis, geofence management, order processing, checkout processing,cash withdrawal, location services, and/or the like. Application server730 of network-based system 710 may provide services to a third partymerchants such as real time consumer metric visualizations, real timepurchase information, and/or the like. Application servers 730 mayinclude an account server 732, device identification server 734, contentserver 736, transaction pairing and state management server 738,purchase, authentication analysis server 740, user identification server742, notification server 744, and/or content statistics server 746.These servers, which may be in addition to other servers, may bestructured and arranged to configure the system for monitoring queuesand identifying ways for reducing queue times.

Application servers 730, in turn, may be coupled to and capable ofaccessing one or more databases 750 including a profile database 742, anaccount database 754, transaction database 756, and/or the like.Databases 750 generally may store and maintain various types ofinformation for use by application servers 730 and may comprise or beimplemented by various types of computer storage devices (e.g., servers,memory) and/or database structures (e.g., relational, object-oriented,hierarchical, dimensional, network) in accordance with the describedembodiments.

FIG. 8 illustrates an example computer system 800 in block diagramformat suitable for implementing on one or more devices of the system inFIGS. 1-7. In various implementations, a device that includes computersystem 800 may comprise a personal computing device (e.g., a smart ormobile device, a computing tablet, a personal computer, laptop, wearabledevice, PDA, etc.) that is capable of communicating with a network 826(e.g., network 708). A service provider and/or a content provider mayutilize a network computing device (e.g., a network server) capable ofcommunicating with the network. It should be appreciated that each ofthe devices utilized by users, service providers, and content providersmay be implemented as computer system 800 in a manner as follows.

Additionally, as more and more devices become communication capable,such as new smart devices using wireless communication to report, track,message, relay information and so forth, these devices may be part ofcomputer system 800. For example, windows, walls, and other objects maydouble as touch screen devices for users to interact with. Such devicesmay be incorporated with the systems discussed herein.

Computer system 800 may include a bus 810 or other communicationmechanisms for communicating information data, signals, and informationbetween various components of computer system 800. Components include aninput/output (I/O) component 804 that processes a user action, such asselecting keys from a keypad/keyboard, selecting one or more buttons,links, actuatable elements, etc., and sending a corresponding signal tobus 810. I/O component 804 may also include an output component, such asa display 802 and a cursor control 808 (such as a keyboard, keypad,mouse, touchscreen, etc.). In some examples, I/O component 804 otherdevices, such as another user device, a merchant server, an emailserver, application service provider, web server, a payment providerserver, an ATM server, and/or other servers via a network. In variousembodiments, such as for many cellular telephone and other mobile deviceembodiments, this transmission may be wireless, although othertransmission mediums and methods may also be suitable. A processor 818,which may be a micro-controller, digital signal processor (DSP), orother processing component, that processes these various signals, suchas for display on computer system 800 or transmission to other devicesover a network 826 via a communication link 824. Again, communicationlink 824 may be a wireless communication in some embodiments. Processor818 may also control transmission of information, such as cookies, IPaddresses, images, and/or the like to other devices.

Components of computer system 800 also include a system memory component814 (e.g., RAM), a static storage component 814 (e.g., ROM), and/or adisk drive 816. Computer system 800 performs specific operations byprocessor 818 and other components by executing one or more sequences ofinstructions contained in system memory component 812 (e.g., forengagement level determination). Logic may be encoded in a computerreadable medium, which may refer to any medium that participates inproviding instructions to processor 818 for execution. Such a medium maytake many forms, including but not limited to, non-volatile media,volatile media, and/or transmission media. In various implementations,non-volatile media includes optical or magnetic disks, volatile mediaincludes dynamic memory such as system memory component 812, andtransmission media includes coaxial cables, copper wire, and fiberoptics, including wires that comprise bus 810. In one embodiment, thelogic is encoded in a non-transitory machine-readable medium. In oneexample, transmission media may take the form of acoustic or lightwaves, such as those generated during radio wave, optical, and infrareddata communications.

Some common forms of computer readable media include, for example, harddisk, magnetic tape, any other magnetic medium, CD-ROM, any otheroptical medium, RAM, PROM, EPROM, FLASH-EPROM, any other memory chip orcartridge, or any other medium from which a computer is adapted to read.

Components of computer system 800 may also include a short rangecommunications interface 820. Short range communications interface 820,in various embodiments, may include transceiver circuitry, an antenna,and/or waveguide. Short range communications interface 820 may use oneor more short-range wireless communication technologies, protocols,and/or standards (e.g., WiFi, Bluetooth®, Bluetooth Low Energy (BLE),infrared, NFC, etc.).

Short range communications interface 820, in various embodiments, may beconfigured to detect other devices (e.g., device 104, ATM 106, etc.)with short range communications technology near computer system 800.Short range communications interface 820 may create a communication areafor detecting other devices with short range communication capabilities.When other devices with short range communications capabilities areplaced in the communication area of short range communications interface820, short range communications interface 820 may detect the otherdevices and exchange data with the other devices. Short rangecommunications interface 820 may receive identifier data packets fromthe other devices when in sufficiently close proximity. The identifierdata packets may include one or more identifiers, which may be operatingsystem registry entries, cookies associated with an application,identifiers associated with hardware of the other device, and/or variousother appropriate identifiers.

In some embodiments, short range communications interface 820 mayidentify a local area network using a short range communicationsprotocol, such as WiFi, and join the local area network. In someexamples, computer system 800 may discover and/or communicate with otherdevices that are a part of the local area network using short rangecommunications interface 820. In some embodiments, short rangecommunications interface 820 may further exchange data and informationwith the other devices that are communicatively coupled with short rangecommunications interface 820.

In various embodiments of the present disclosure, execution ofinstruction sequences to practice the present disclosure may beperformed by computer system 800. In various other embodiments of thepresent disclosure, a plurality of computer systems 800 coupled bycommunication link 824 to the network (e.g., such as a LAN, WLAN, PTSN,and/or various other wired or wireless networks, includingtelecommunications, mobile, and cellular phone networks) may performinstruction sequences to practice the present disclosure in coordinationwith one another. Modules described herein may be embodied in one ormore computer readable media or be in communication with one or moreprocessors to execute or process the techniques and algorithms describedherein.

A computer system may transmit and receive messages, data, informationand instructions, including one or more programs (i.e., applicationcode) through a communication link 824 and a communication interface.Received program code may be executed by a processor as received and/orstored in a disk drive component or some other non-volatile storagecomponent for execution.

Where applicable, various embodiments provided by the present disclosuremay be implemented using hardware, software, or combinations of hardwareand software. Also, where applicable, the various hardware componentsand/or software components set forth herein may be combined intocomposite components comprising software, hardware, and/or both withoutdeparting from the spirit of the present disclosure. Where applicable,the various hardware components and/or software components set forthherein may be separated into sub-components comprising software,hardware, or both without departing from the scope of the presentdisclosure. In addition, where applicable, it is contemplated thatsoftware components may be implemented as hardware components andvice-versa.

Software, in accordance with the present disclosure, such as programcode and/or data, may be stored on one or more computer readable media.It is also contemplated that software identified herein may beimplemented using one or more computers and/or computer systems,networked and/or otherwise. Where applicable, the ordering of varioussteps described herein may be changed, combined into composite steps,and/or separated into sub-steps to provide features described herein.

The foregoing disclosure is not intended to limit the present disclosureto the precise forms or particular fields of use disclosed. As such, itis contemplated that various alternate embodiments and/or modificationsto the present disclosure, whether explicitly described or impliedherein, are possible in light of the disclosure. For example, the aboveembodiments have focused on the user and user device, however, acustomer, a merchant, a service or payment provider may otherwisepresented with tailored information. Thus, “user” as used herein canalso include charities, individuals, and any other entity or personreceiving information. Having thus described embodiments of the presentdisclosure, persons of ordinary skill in the art will recognize thatchanges may be made in form and detail without departing from the scopeof the present disclosure. Thus, the present disclosure is limited onlyby the claims.

What is claimed is:
 1. A system, comprising a non-transitory memorystoring instructions; a processor configured to execute the instructionsto cause the system to: receive, via a first wireless networkconnection, a first request from a user device for cardless cash accessfrom an automated teller machine; retrieve, from the first requestreceived, user information associated with the user device; transmit,via a second wireless network connection, a token request from a whitelabel platform, the token request including the user information;receive, via the second wireless network connection, an authorizationtoken from the white label platform for transmit to the user device; inresponse to the authorization token transmitted to the user device,receive, via the first wireless network connection, a second requestfrom the user device for a cash withdrawal, the second request receivedincluding a scanned image of a QR code; and in response to the secondrequest received, transmit a request to the white label platform for thecash withdrawal, the white label platform pairing a communicationbetween the user device and automated teller machine networks; update,the account balance base on a cash amount designated on the secondrequest; and transmit, via the first wireless network connection, asuccessful notification to the user device for the cash withdrawal forthe cash amount from the automated teller machine.
 2. The system ofclaim 1, wherein the executing instructions further causes the systemto: in response to the first request for the cardless cash access,determine if a user associated with the user information is onboarded;and perform just-in-time onboarding if it is determined that the userhas not been onboarded.
 3. The system of claim 1, wherein the secondrequest from the user device for a cash withdrawal includes an automatedteller machine location.
 4. The system of claim 1, wherein the scannedimage obtained from a display of the automated teller machine.
 5. Thesystem of claim 1, wherein the white label platform provides thecommunication with the automated teller machine networks including atleast an acquiring processor, a network and an issuer processor.
 6. Thesystem of claim 1, wherein the executing instructions further causes thesystem to: in response to the second request received, transmit anotification to the user device regarding a fee associated with thesecond request for the cash withdrawal.
 7. The system of claim 6,wherein the fee associated with the second request is based on theautomated teller machine.
 8. A method, comprising: receiving, via afirst wireless network connection, a first request from a user devicefor cardless cash access from an automated teller machine; retrieving,from the first request received, user information associated with theuser device; transmitting, via a second wireless network connection, atoken request from a white label platform, the token request includingthe user information; receiving, via the second wireless networkconnection, an authorization token from the white label platform fortransmit to the user device; in response to the authorization tokentransmitted to the user device, receiving, via the first wirelessnetwork connection, a second request from the user device for a cashwithdrawal, the second request received including a scanned image of aQR code; and in response to the second request received, transmitting arequest to the white label platform for the cash withdrawal, the whitelabel platform pairing a communication between the user device andautomated teller machine networks; updating, the account balance base ona cash amount designated on the second request; and transmitting, viathe first wireless network connection, a successful notification to theuser device for the cash withdrawal for the cash amount from theautomated teller machine.
 9. The method of claim 8, further comprising:in response to the first request for the cardless cash access,determining if a user associated with the user information is onboarded;and performing just-in-time onboarding if it is determined that the userhas not been onboarded.
 10. The method of claim 8, wherein the secondrequest from the user device for a cash withdrawal includes an automatedteller machine location.
 11. The method of claim 8, wherein the scannedimage obtained from a display of the automated teller machine.
 12. Themethod of claim 8, wherein the white label platform provides thecommunication with the automated teller machine networks including atleast an acquiring processor, a network and an issuer processor.
 13. Themethod of claim 8, further comprising: in response to the second requestreceived, transmitting a notification to the user device regarding a feeassociated with the second request for the cash withdrawal.
 14. Themethod of claim 13, wherein the fee associated with the second requestis based on the automated teller machine.
 15. A non-transitory machinereadable medium having stored thereon machine readable instructionsexecutable to cause a machine to perform operations comprising:receiving, via a first wireless network connection, a first request froma user device for cardless cash access from an automated teller machine;retrieving, from the first request received, user information associatedwith the user device; transmitting, via a second wireless networkconnection, a token request from a white label platform, the tokenrequest including the user information; receiving, via the secondwireless network connection, an authorization token from the white labelplatform for transmit to the user device; in response to theauthorization token transmitted to the user device, receiving, via thefirst wireless network connection, a second request from the user devicefor a cash withdrawal, the second request received including a scannedimage of a QR code; and in response to the second request received,transmitting a request to the white label platform for the cashwithdrawal, the white label platform pairing a communication between theuser device and automated teller machine networks; updating, the accountbalance base on a cash amount designated on the second request; andtransmitting, via the first wireless network connection, a successfulnotification to the user device for the cash withdrawal for the cashamount from the automated teller machine.
 16. The non-transitory machinereadable medium of claim 15, further comprising: in response to thefirst request for the cardless cash access, determining if a userassociated with the user information is onboarded; and performingjust-in-time onboarding if it is determined that the user has not beenonboarded.
 17. The non-transitory machine readable medium of claim 15,wherein the second request from the user device for a cash withdrawalincludes an automated teller machine location.
 18. The non-transitorymachine readable medium of claim 15, wherein the scanned image obtainedfrom a display of the automated teller machine.
 19. The non-transitorymachine readable medium of claim 15, wherein the white label platformprovides the communication with the automated teller machine networksincluding at least an acquiring processor, a network and an issuerprocessor.
 20. The non-transitory machine readable medium of claim 15,further comprising: in response to the second request received,transmitting a notification to the user device regarding a feeassociated with the second request for the cash withdrawal.